Life hacks, tricks, loopholes - whatever you call 'em, throughout 2015 we've been compiling quick-hit savvy tips so you can be cute with your cash.

This week we launch our new 60 MoneySaving Life Hacks guide with many of the big hitters and a host of new ones. So I've picked 24 to get you going. Do check back on the guide as we'll keeping adding more as we find them.

1.

Free 'Amazon delivery trick' tool. The e-retail giant used to give free delivery if you spent £10. Now it's a minimum of £20 - but a handy new tool provides a way around this. See Free Amazon Delivery Tool.

Slash £100s off your Sky bill. Our Slash Sky Costs guide has left us swamped with successes, such as @OmicronPersei12: "Just knocked £30 a month [£360 a year] from my Sky bill thanks to @MartinSLewis." And it's not just Sky - we've similar guides for BT, Plusnet, TalkTalk & Virgin.

4.

Pay at least 1p on a credit card - it could be worth £10,000s. In Scott Parsley's case, he's very grateful he paid £300 of his £26,000 car on a credit card - if not he could've lost the lot. See Credit Card Penny Protection.

5.

Pssst. Wanna buy stolen goods on the cheap? Fancy a new bike or bit of bling? Don't worry, it's all above board - in fact, even the police are in on it. All is explained in our Buy Cheap Stolen Goods guide.

6.

Are you missing out on the £212 marriage tax allowance? If you're married or in a civil partnership, you may be eligible, as @_CorinneMullins tweeted after reading our guide: "Easy - £212/yr better off. Thanks." See Marriage Tax Allowance Help.

A YEAR'S 2for1 cinema by manipulating Meerkat Movies. The Meerkat Movies trick shows how to get a year's 2for1 pass for a few quid. Darcy tweeted: "Loving Meerkat Movies - £26.70 saved over three weeks."

9.

Uncover the cheaper tariffs your mobile network won't tell you about. When we talk about ditching & switching mobile provider to save, many say: "I wish I could but only Vodafone/EE/3 works in my home." Yet there are hidden tariffs you can switch to on the same signal - see our Mobile Piggybacking guide. Also see 30+ ways to cut your mobile bill.

10.

Bag secret scholarships and hidden grants. Amazingly many of these student-only pots of gold go unclaimed each year. Our Scholarships and Hidden Grants guide has all the tricks in the school book in it.

11.

Amazon shopper? You're entitled to music going back 16yrs. If you've bought CDs/vinyl since 1999, our Amazon Music Reclaim guide shows how to get 'em as downloads for free. See if you can beat @lukedixonoxford who tracked down a whopping 7,654 songs.

12.

Private parking firms can't fine you - it's just an invoice. Many tickets from supermarkets, retail parks and private car park firms do better impressions than Alistair McGowan. Some even call themselves Parking Charge Notices (PCNs) to mimic official Penalty Charge Notices (PCNs). Yet they've no right to fine you - see how to Fight Unfair Private Parking Tickets.

Don’t almost clear your card - clear it IN FULL if you can. If you've £1,000 debt from spending on a credit card, clear it IN FULL and there's no interest. Only clear £999 and you usually pay interest on the lot. So if you can nearly clear it, totally clear it. If you can't, balance transfer it.

15.

Turn your smartphone into a free sat-nav for 28 countries. If it's got GPS, convert it into a free sat-nav for the UK and elsewhere. Just download maps on Wi-Fi to avoid pricey data costs (especially abroad).

16.

Exploit eBay speiling mistaykes to uncover mega-bargains. Typos and erors on eBay are incredibubbly common and mean fewer peeple serching for things, so prices are rock-bottom. Use a mistake-spotter to find 'em.

17.

How to stop a 3.5% loan costing you 20%. The cheapest loans are currently 3.5% representative APR, and that big word 'representative' has an even bigger impact. It means only 51% of accepted applicants need get that rate - the rest can and usually do pay more. You only find out by applying and that marks your credit file. Our loans eligibility calc can help - in general the higher your odds, the more likely you are to get the advertised rate.

18.

Turn detective and uncover secret hotels for huge discounts. Secret hotel bookings on sites such as Lastminute.com give you big discounts on 3-5 star hotels, UK & worldwide, but you don't know the exact hotel until after you've paid.... UNLESS, that is, you use our Uncover Secret Hotels tips.

Hidden council MOT centres mean 'fewer fails'. As they don't do repairs, they've no vested interest to fail you, and many like Jemayhew say it means fewer fails: "Huge thanks. Last year ripped off - £400 repairs. Today passed at council centre with only test fee to pay". Use our UK council MOTs finder to locate your nearest.

Bag hidden local eBay bargains. eBay sellers often specify items, from bikes to PS4s, as 'collection-only', so they get fewer bids so prices are lower. You can't search for them on eBay, so we built a Local eBay Deals Mapper, eBay Deals iPhone App & eBay Deals Android App to find 'em. Zoe said: "Got a new VTech Baby Dancing Tower toy for 99p (was £40ish)"

23.

How kids can get a free Blue Peter badge - free entry to Legoland/Ldn Zoo etc. A Blue Peter badge can be seriously MoneySaving, with up to 10yrs' free admission to attractions. How to get a free Blue Peter badge

If you've debts on credit cards, a 0% balance transfer's the key weapon. It's where a new card pays off old card(s) for you, so you owe it instead. The low interest means your repayments clear the actual debt, so you get debt-free quicker. Yet don't just apply in hope, that'll mark your credit file - instead find the odds of getting each top card via our Eligibility Calc first.

Apply by 11.59pm Wed. 40mths 0% balance transfer (2.99% fee). Virgin Money's* card is by far the longest 0% balance transfer ever, plus for a higher 4% fee, it allows money transfers too to clear costly overdrafts or other debts. To get either 0% deal, you must transfer within 60 days.

Long 32mth 0%, low 1.4% fee plus new free £25 cash. If you can repay quicker, the HSBC* card has a long 0% but a far lower fee. Plus if you apply this month and shift £100+ it'll give you £25.

So here's how these two compare - always aim for the LOWEST FEE card you're sure you've enough time to clear.

TOP NEW CARDHOLDER BALANCE TRANSFER DEALSFind the card you're most likely to get with our ELIGIBILITY CALC (protects your credit score)

You can't shift debt to a card you already have with the same provider, eg, from one Virgin card to another Virgin card.
That's why we include a range of cards. 1) 'Up to' deals, ie, some get a shorter 0%. (2) Min £100 transfer.
More info & options: Best Balance Transfers, APR Examples

The Balance Transfer Golden Rules. It's not just about picking the right card, it's about using it the right way...
a) Never miss the min monthly repayments, or the bank is allowed to end your 0% deal and charge far more.
b) Ensure you clear the card or transfer again before the 0% ends or the rate rockets to the rep APR.
c) Don't spend/withdraw cash on these. It usually isn't at the cheap rate & cash withdrawals hit your credit file.
d) Unsure what to pick? Use our Which Card Is Cheapest? tool. Full help in Best Balance Transfers (APR Examples).

SUCCESS OF THE WEEK: (Send us yours on this or any topic)"Thanks MSE team. Got the free £10 Amazon promo codeand was able to put it towards a useful toy for my baby. Always look forward to your weekly email." (The promo's still available if you missed it)

Last week we launched our new collective switch (sadly not for NI or prepay) where energy firms compete to give a special tariff. Lots have saved already, as these tweets show. Adrian: "Just switched energy suppliers & could save £578.67/yr." Bjorn: "Thanks, £160 p/m @BritishGas to £111 p/m E.on". Cherie: "Was already on a super-cheap E.on deal & even I could still save."

WINNER - Cheapest on market:E.on MSE collective 12-month fix.
Also gives 1,500 E.on pts over the year (ensure you opt in during sign-up) convertible to a £15 high st vch or 1,500 Tesco pts. Early exit fees: £30 per fuel

Already on E.on or Green Star? They'll NOT CHARGE EXIT FEES if you switch to theirs, ie, E.on->E.on, GS->GS.

These all beat the market's cheapest (on avg). Yet it can vary by use and area. That's why when you click them, we ask for your info and do a full comparison, so you can be sure it's your cheapest & how much you save.

All winners are available for dual fuel (gas & elec together) and electricity-only. Sadly we had no decent prepay bids.

Whether it's full home insurance or just contents, many auto-renew and hugely overpay. Even those who shop around may be able to to cut costs further. Our full Cheap Home Insurance system scores down costs, as Junaid tweeted: "Parents were paying £330+ per year for home insurance - with the help of @MartinSLewis, I got it down to £83." Here are the 3 foundations:

Know how much to cover. There are two elements to home insurance:
a) BUILDINGS: usually just needed by freeholders. Don't insure your home's value. Just use a rebuild calc to see the cost of rebuilding if it were knocked down - cover that.
b) CONTENTS: for all. Some under-insure, thinking they'd never claim it all. Yet with £20k of stuff, cover £10k and if your claim's £1k you may only get half - contents calc.

New HOT deals comparisons miss. It's not just big firms Direct Line* & Aviva* which aren't on comparison sites that you should check - we list a range of promo deals not included too. As Gail told us: "Got excellent policies for my daughter & I, we both received £80 M&S vouchers too - another brilliant deal accessed via your site." Here are some of the latest special links to check. The freebies/vouchers mentioned can take up to 120 days to arrive.

Martin's appearances (from Wed 9 Sep onward)

MSE team corner

Discussion of the week

What do you do if you're a guest at a friend's house for dinner and they don't put out any condiments to go with the meal? Is it okay to bring your own? Share your opinion in the What? No condiments? discussion.

Question of the week

Q: When you are using a credit card in Spain and you're asked if you wish to pay in pounds or euros, what answer should you give?

MSE Amy's A: The answer is ALWAYS pay in euros. This applies to any local currency: US dollars, Turkish lira and more.

When you pay in pounds the overseas bank does the conversion for you - known as 'dynamic currency exchange' - and the rate is usually pants. See Martin's ALWAYS pay in euros blog for research on the differences.

If you pay in the the local currency, your home bank or card company does the conversion, usually at the Visa/Mastercard exchange rate (which is as good as you can get), but most providers then add a 3% 'load'. While not the cheapest way to spend, this usually beats paying in pounds.

If you have a specialist cheap travel credit card, these don't add the load and are the best way to spend, so don't kill the benefit by paying in pounds abroad.

That's it for this week, but before we go, have a look at this thread from the forum - 'Embarrassing accidents'. We've all been there. Whether it's a slip into a pond or your skirt tucked into your underwear, you'll be able to sympathise with these embarrassing accidents from our forumites. Post yours and share in the red-faced shame.

We hope you save some money,

Martin & the MSE team

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How this site works

We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances and remember we focus on rates not service.

Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first.

We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips).

We often link to other websites, but we can't be responsible for their content.

Always remember anyone can post on the MSE forums, so it can be very different from our opinion.

MoneySavingExpert.com is part of the MoneySupermarket Group, but is entirely editorially independent. Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code.